The following is our policies & terms of use:

Website Privacy Policy

We work to provide you with insurance products and services to meet your insurance needs. The terms “we,” “us,” and “our” refer to The Family Legacy Agency, Inc., National Life Insurance, Ethos Insurance, Claro Insurance, Forester Insurance, all TFLA Inc. Insurance Carriers, and their affiliates. In providing these products and services, we are committed to protecting our customers’ privacy. We want you to understand when, how and why we collect, use and disclose the personal information about you that we obtain on this website.

If you are already a customer of ours, you may have received the Company Privacy Statement that describes our practices and procedures regarding privacy. If you are for the first time applying for an insurance policy with us, you may be entitled to receive the Company Privacy Statement as part of that application, in which case it will be provided to you then.

All information collected from this website and our companies in general that is subject to the applicable privacy laws and regulations will be handled according to our Company Privacy Statement. This Website Privacy Statement supplements the Company Privacy Statement by describing our practices and procedures relating to the personal information we collect at this website.

Personal information we collect and use at this website


We do not collect any personal information about you at our websites unless you choose to provide it to us voluntarily.  The “personal information” we may request is information that is unique to you and might include your phone number, name, age, address or driver’s license number.  If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

If you do provide personal information to us, we will only use it for the purposes described where it is collected, and we will not sell, license, transmit or disclose this information outside of the Company unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) doing so is necessary for to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements or (5) otherwise as we are required or permitted by law. We may also use the information you choose to provide to us to improve the content of our website or to contact you for marketing purposes.

Email
We appreciate your questions and comments about our website, products and services and welcome your email messages to mailboxes listed on our websites. We will share your messages with those within our organization that are most capable of addressing the issues contained in your message. We may share the information with an independent insurance agent who may be able to help you with your inquiry. We will keep a copy of your message until we have had an opportunity to address your concerns. We may archive your message for a certain period of time or discard it, but your email address will not be used for any other purpose.

Confidentiality and security
When you submit sensitive information to us at this website, we will protect your information both online and offline. We restrict access to personal information collected about you at our websites to our employees, our affiliates’ employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain what we believe to be appropriate physical, electronic and procedural safeguards to protect personal information from unauthorized access and use.

 

Links to other sites
For your convenience, we may provide links to other websites and web pages that we do not control. We are not responsible for the privacy practices of any websites or pages not under our control. We do not endorse any of those websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages.

Use of “cookies” or other data collection tools
A cookie is a piece of information that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single website session or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes—for example, to maintain continuity during a user session, to gather data about the usage of our website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so you do not have to provide this information every time you return to our website.

Our cookies will track only your activity relating to your online activity on this website, and they will not track your other internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or site features.

We may occasionally use other companies to set cookies on our websites and gather cookie information for us. In some cases, we may also use another company to operate web servers for our website. We use the cookie information gathered by these companies in the same manner as stated above.

 

In addition to the information we collect from cookies, we also obtain information which you provide to us online. For example, when you use a tool or a calculator that we might have on this website, we might also collect the information you entered into such a tool or calculator. In some cases, we retain both the cookie information and/or the information you provide to us online. For example, to complete a transaction you requested or to keep historical records of your past transactions.

Changes to our website privacy statement
We may change this Website Privacy Statement at any time. The most recent version of the Website Privacy Statement is reflected by the version date located at the bottom of this Statement. This statement is not intended to and does not create any contractual or other legal right in or on behalf of any party.

What customers can do to help
We are committed to protecting the privacy of our customers. You can help by following these simple guidelines:

  • Protect your policy numbers and information.

  • Use caution when disclosing your policy numbers, social security numbers, etc., to other persons. If someone calls you, explains the call is on our behalf and asks for your policy number or social security number, you should beware. Our authorized staff will have access to your information and will not need to ask for it.

  • Keep your information current. It is important we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Contacting us
If you have any questions about this statement or would like to learn more about how we protect privacy, please write to us at thefamilylegacyagency@gmail.com.

Last Updated: March 27, 2021.

Company Privacy Notice

This notice is being provided on behalf of the following The Family Legacy Agency, Inc., National Life Insurance, Ethos Insurance, Claro Insurance, Forester Insurance, all TFLA Inc Insurance Carriers, and their affiliates.

Commitment to Privacy
Our agency works to provide you with insurance products and services to meet your insurance needs. In providing these products and services, we are very committed to protecting your privacy. We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to provide you with competitive products and services.

Information We May Collect and Use
We collect information about you so that we may provide quality insurance products and services. The type of information we collect depends on the products and services you are interested in. For example, we may collect information that we receive from: (a) you on applications and other policy forms, such as name, address and Social Security Number, (b) consumer reporting agencies, (c) affiliated or non-affiliated third parties, such as your credit history, insurance score, driving record, accident or claims history and medical information for purposes of life insurance and (d) your transactions with us, including balances and payment history.

Information We May Disclose
We work to protect your nonpublic personal information. However, sometimes it is necessary for us to share your nonpublic personal information with others. We may share nonpublic personal information that we have about you as allowed by law. For example, we may share such information with: (a) third parties that perform services for us, (b) affiliated entities within The Family Legacy Agency, Inc. and it's affiliates and (c) companies that perform marketing or other services on our behalf or to other insurance companies or financial institutions with whom we have joint marketing agreements. We (or our agents acting on our behalf) may also disclose nonpublic personal information about you under circumstances permitted or required by law to non-affiliated third parties. These disclosures typically include information to process transactions on your behalf and to conduct the operations of our company.

We (or our agents acting on our behalf) may not disclose personal medical information beyond that required by law or to conduct our business unless expressly authorized by you in writing. Our standard for disclosure applies to all of our current and former customers.

Certain Disclosures About You
We do not intend to make disclosures of your nonpublic personal information to non-affiliated third parties. This does not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other insurance companies or financial institutions that have joint marketing agreements with us.

How We Protect Your Information
We have high security standards to protect your nonpublic personal information. The only employees who are permitted to access your information are those with a business need to know. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Website Terms of Use

This website (“Website”), which we own and maintain, provides users with access to an online collection of information and materials and certain online services (collectively, the Services”) offered by us. The terms “we,” “us,” and “our” refer to The Family Legacy Agency, Inc., National Life Insurance, Ethos Insurance, Claro Insurance, Forester Insurance, all TFLA Inc. Insurance Carriers, and their affiliates. The materials we make available here may include information related to certain insurance products and services (“Products and Services”) and insurance-related services we provide. The Website also contains text, pictures, graphics, logos, button items, images, works of authorship and other content (collectively with all information and material about the Products and Services, “Content”), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Website (“Software”).

Your access to and use of this Website are subject to these terms of use (“Terms of Use”), as well as all applicable laws and regulations. Please read these Terms of Use carefully. If you do not accept and agree to be bound by any of these Terms of Use, you are not authorized to access or otherwise use this Website or any Content, Services or Software contained on this Website. Your access to and use of this Website constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below. Unless otherwise indicated, any new Services, Content and Software added to this Website will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review the Website and these Terms of Use periodically for updates and changes.

Limited License and Site Access – We hereby grant you a limited license to access and make personal use of this Website, but not to download (other than page caching, and other than for personal use, as further provided below) or modify it, or any portion of it, except with our express written consent. This license does not include any resale or commercial use of this Website or its Contents or Software; any collection and use of any product listings, descriptions or prices; any derivative use of this Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our express written consent. You may not frame or utilize framing techniques to enclose any of our trademarks, logos, or other proprietary information (including images, text, page layout, or form) without our express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of our name(s) or service marks without our express written consent. Any unauthorized use of this Website terminates the permission or license granted by us.

Availability of Products and Services – Due to various insurance and other regulatory restrictions, certain Products and Services described on this Website are not available to all persons who may access this Website because we are authorized to sell the Products and Services in only selected jurisdictions.  Also, Products and Services may vary by jurisdiction and not all Products and Services are available or suitable for all United States jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, HE INFORMATION CONTAINED ON THIS WEBSITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY US. No insurance product or other product or service is offered or will be sold by us or, if sold, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Please contact one of our designated representatives or your insurance agent to find out which Products and Services are available to you in your State.

This Website may provide certain summary descriptions or other helpful information regarding Products and Services. We attempt to be as accurate as possible, but any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.

Copyright – Except as otherwise expressly stated, all Content and Software appearing on this Website are copyrighted works of ours or third party content suppliers and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also our exclusive property and is protected by U.S. and international copyright laws.

You may download information from this Website and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Website, in whole or in part, including any text, images, audio, and video in any manner, without our prior written authorization. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by us. We do not warrant or represent that your use of Content, Services, Software or any other materials displayed on this Website will not infringe rights of third parties.

Trademarks and Service Marks – All trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Website is our property or their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Website without our prior written authorization.

Ownership of information submitted via this Website – With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Statement), any information you transmit to us via this Website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become our property. Such information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to us via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Proprietary Software – Any Software accessible through this Website is our property or our suppliers’ and is protected by U.S. patent, trade secret, and copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Website is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by us through this Website for your use in accessing the Services and Content.

Prohibited Use – Any use or attempted use of this Website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party’s use and utility of the Website, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by us to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by us, or (vii) any use other than the business purpose for which it was intended, is prohibited.

Further, in connection with your use of the Website, you agree you will not:

(a) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any of our representatives, or falsely state or otherwise misrepresent your affiliation with a person or entity;

(b) register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Services if you are not expressly authorized by such party to do so;

(c) provide any information which is false, misleading, omits material facts, or is otherwise incorrect or incomplete in any material respect;

(d) upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade anothers right of privacy or publicity;

(e) upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships;

(f) upload files that contain viruses, Trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of anothers computer or property of another; or

(g) upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party.

We reserve the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user’s access and/or account.

No Editorial Control of Third Party Content; No Statement as to Accuracy – To the extent that any of the Content included in the Website is provided by third party content providers, we have no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Website are those of such third party suppliers. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Website or referenced content or service providers will not infringe rights of third parties.  You acknowledge that any reliance on material posted by other users will be at your own risk.  Statements posted on the Website by other users shall not be attributable to us, nor shall we have any liability or responsibility in connection with such postings.

Hyperlinks to Third Party Websites – This Website may contain hyperlinks to other websites owned and operated by parties other than us. Such hyperlinks are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Website provides hyperlinks to other websites that are not owned, operated or maintained by the Owner or its affiliates, you acknowledge and agree that we are not responsible for and is not liable for the content, products, services or other materials on or available from such websites to which the Website contains hyperlinks. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. We are under no obligation to maintain any link on this Website and may remove a link at any time in its sole discretion for any reason whatsoever. We are not responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website.  We are not responsible for the privacy practices of any other websites.

Website Privacy Statement –Describes the details of our information practices and procedures for personal information we collect at this Website. We urge you to read our Website Privacy Statement.

Modification to Services – We may, at our discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. We will not be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.

Disclaimer – Information contained on this Website has been prepared by us as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. We have used reasonable efforts in collecting, preparing and providing quality information and material, but, unless expressly stated otherwise by us, we make no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Website or any other Website we maintain. Users relying on information from this Website do so at their own risk.

The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase a product from us or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Website does not affect that purchase in any manner.

This Website may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report.

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT AND SOFTWARE ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO WARRANTY THAT THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

Limitation of Liability
YOU UNDERSTAND AND AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS OR SERVICES, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEBSITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS AND SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE WEBSITE, SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE US DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE.

Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages; therefore, some of the limitations above may not apply to you.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Notices – Any notices to you from us regarding the Website or these Terms of Use will be posted on this Website or made by e-mail or regular mail.

 

Electronic Communications
When you visit this Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any
General Provisions

Entire Agreement – These Terms of Use, the Website Privacy Statement, and other policies we may post on this Website constitute the entire agreement between you and us in connection with your use of this Website and the Content, Services and Software, and supersedes any prior agreements between the you and us regarding use of this Website, including prior versions of these Terms of Use.

Age and Location of User – All Content available on this Website is solely directed to individuals 16 years of age or older living or conducting business in the United States.  We make no representation that the Content, information, Services or Software is available for use outside of the United States. Any use of the Services, Content and Software is prohibited where they are not allowed by law.

This website contains a binding arbitration provision which may be enforced by the parties.

Dispute Resolution – Any controversy or claim arising out of or relating to these Terms of Use, our Privacy Statement, or use of this Website shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association, except that, to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any state or federal court in Florida, and you consent to exclusive jurisdiction and venue in such courts. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Florida, and claims regarding the judgment of the arbitrator (including entry of judgment on the arbitration award) may be brought and shall be subject to the exclusive jurisdiction of the State and federal courts located in Florida, and you waive any jurisdictional, venue, or inconvenient forum objections to such courts. Either you or we may seek any interim or preliminary relief from a state or federal court of competent jurisdiction in Florida as may be necessary to protect your or our rights or property pending the completion of arbitration. You agree that any action to enforce this arbitration provision will be brought in the federal or state courts located in Florida.

Governing Law; Jurisdiction; Venue; Severability of Provisions – The Terms of Use are governed by the laws of the State of Florida, Authorizing states, USA and controlling United States federal law without regard to any conflicts of law provisions. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforce-ability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Password Accounts, Passwords, and Security
If you have been given the option to open an account on this Website which will provide you with access to password protected portions of the Website and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify us of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. We will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your account or password.  You may not use anyone else’s account at any time, without the permission of the account holder.

Severability
To the maximum extent possible, each of the disclaimers and each of the provisions of the Terms of Use shall be interpreted in such a manner as to be valid and enforceable under applicable law. If any provision hereunder is held to be invalid or unenforceable under applicable law, such provision shall be deemed modified so as to be rendered valid and enforceable while implementing, to the greatest extent possible, the original intent of such provision. If such reformation is not possible or permitted, the invalidity or un-enforceability of such a provision shall not otherwise impact the validity or enforce-ability of the remaining provisions hereunder.

Waiver
No waiver of any term or condition herein shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Modification of Terms
We reserve the right to modify these Terms of Use without notice to you, and your continued use of the Website after such modifications will make such modifications binding on you.  These Terms of Use are effective until terminated or updated by us.  In the event of termination of these Terms of Use, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive.  The modified Terms of Use will apply only to disputes that arise after the modification has been posted on the Website.  After the Terms of Use have been modified, the Website will provide a link to a Notification of Modification for Website users for a period of one (1) year after the effective date of such modification.

 

Third Party Report Ordering
The Federal Fair Credit Reporting Act, Driver’s Privacy Protection Act, analogous state laws, and other state and federal laws govern the use of reports delivered via the IBIS system. It is your responsibility to ensure that your requests are lawful. When ordering reports for underwriting purposes, you must have a completed application and/or the verbal request of the subject consumer. When ordering consumer reports for insurance claims, you must have the signed written authorization of the subject consumer and comply with other requirements of state and federal laws.

The Federal Fair Credit Reporting Act imposes criminal penalties – including a fine, up to two years in prison, or both – against anyone who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses, and other penalties of anyone who obtains such consumer information without a permissible purpose.

If you have any questions regarding your rights and obligations, please contact Support at ikirkpatrick@thefamilylegacyagency@gmail.com prior to using the website.

Last Updated: March 27, 2021

Compliance Policy Regarding

The Telephone Consumer Protection Act (and Do Not Call List)

Regulatory Summary

The federal Telephone Consumer Protection Act (TCPA) and related FCC regulations shield consumers from unwanted telemarketing. The TCPA defines telemarketing as the initiation of a telephone call or fax for the purpose of encouraging the purchase or investment in property, goods or services, which is transmitted to any prospective customer at a residence. The TCPA governs cold calls, prerecorded sales calls, and the use of auto dialers, fax machines and other telemarketing strategies.

The TCPA mandates that telemarketers:

  • Maintain a Do Not Call Policy

  • Promptly provide a copy of the Policy to requesting consumers

  • Only make calls between 8 a.m. and 9 p.m. (local time of the person being called)

  • Identify the caller name, company name and caller location

  • Maintain and comply with a company “do not call” list derived from the federal “do not call” registry

  • Honor a consumer’s request made during a call to place the consumer’s name on the “do not call” list

  • Transmit caller ID information

  • Not abandon outbound calls

 

The Florida Home Solicitation Sales Act (FHSSA) establishes similar telemarketing restrictions and adopts the federal do not call registry. With respect to calls made to Florida residents, the FHSSA does not apply to “a sale or solicitation of insurance by an insurance agent licensed by the commissioner of insurance.” To the extent applicable, this exemption controls over the TCPA. The Family Legacy Agency, Inc., National Life Insurance, Ethos Insurance, Claro Insurance, Forester Insurance, all TFLA Inc Insurance Carriers and independent agents marketing our products outside Florida should identify and comply with similar laws of the relevant state.

 

General Statement of Policy
The Family Legacy Agency, Inc., National Life Insurance, Ethos Insurance, Claro Insurance, Forester Insurance, all TFLA Inc Insurance Carriers do not engage in telemarketing. Any employee considering telemarketing must first consult with the executive responsible for legal affairs on appropriate procedures adhering to the TCPA and applicable state laws.

Independent agencies conducting telemarketing in specific reference to a product or marketing initiative of TFLA and it's affiliates and subsidiaries shall fully adhere to the TCPA and applicable state laws.

There are strict penalties for noncompliance with the TCPA, MHSSA and similar state laws. Violations may subject an agent or employee to such penalties, as well as contract termination, employment termination and other discipline.

For More Information
To learn more about the TCPA and applicable state laws, you may visit the FCC web page.